eApp Straight Through Processing for Life and Annuities


This page is going to focus on eApp for Life Insurance and Annuities. We are going to start with Life Insurance and all the different types of eApp as it is plugged into a Straight Through Process (STP). There are several models from a Term Ticket, Accelerated Underwriting to Simplified Issue with underwriting predictive modeling. STP includes integrated quoting, eApp, eSignature and ePolicy Delivery. These are platforms focused on the Agent to use, however we will also cover consumer facing eApp solutions for the Direct to Consumer Channel. There is a tremendous amount of information to cover. This page will continue to grow. The Life Brokerage Technology Committee (LBTC) showed the biggest InsurTech interest is in eApp and STP as a result of their annual technology surveys to Brokerage General Agencies (BGAs) and in past subcommittee participation. Most Life Carriers have developed their own eApp platforms, but at the same time also have on-boarded their products on to multi-carrier platforms such as iPipeline iGO, Applicint Express Complete, Ebix LifeSpeed, and Insurance Technologies FireLight in order to do business with specific distribution partners and be competitive. There are mobile platforms and tools used to create an integrated experience in Life Insurance Straight Through Processing such as IXN Tech’s mobile solution app. This page is not only to educate and provide resources for implementing eApp and straight through processing for Life and Annuities, but also to keep you current on new features, technology, and processes rolling-out. Ken Leibow


iPipeline iGO®


iGO, an intelligent fillable form, enables career and independent producers to improve efficiency and productivity by eliminating errors and producing 100% in Good Order submissions. Hosted by iPipeline, iGO is accessible through a single sign-on via your website or a distribution partner’s website. When used with e-Signature and e-Submission, iGO users can achieve straight-through processing and speed up the sales cycle. Click here: iGO Site to Learn More 

Insurance Technologies FireLight


FireLight e-Application capabilities with robust platform features provide carriers and distributors the flexibility and tools to advance the way advisors engage clients and capture business while simplifying back office business processes. Click here: FireLight Site to Learn More 

ApplicInt ExpressComplete



ExpressComplete is an agency specific multi-carrier quoting tool and eTicket platform. Agents have the option of using the Analyzer to confirm the rate class, or clicking Application to complete the carrier specific short application. A reflexive interview is used to guide reps through the process of accurately completing the carrier specific short app form. Once complete the form is  electronically submitted to the designate fulfillment center. Click here: ExpressComplete Site to Learn More 

Ebix LifeSpeed



Improve and expand the flow of your life insurance application processing by replacing paper-based hurdles with the speed and efficiency of online, Straight Through Processing automation – the LifeSpeed Platform – from EbixExchange USA. The latest technology available for insurance application processing, LifeSpeed is the new innovative means by which, BGAs, IMO’s, broker/dealers, producer/ agents, and other distribution channels can connect with – and process the sale of – products available from insurance carriers. Click here: LifeSpeed Site to Learn More 

Virtual Insurance Sales System (VISS) – FillableForms


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Virtual Insurance Sales System (VISS)
A web-based intelligent forms solution that can typically be up and ready for use in less than one business day.

Enabling you to import via XML ‘likely all the relevant data you have on a client onto an insurance application​​

Click here: FillableForms Site to Learn more

Under Construction

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Under Construction

PaperClip Mojo

Everybody talks about big data with many uses starting with predictive analytics, what you never hear is how do we create usable big data and that is PaperClip Mojo, where big data begins.


PaperClip Mojo is a new Platform as a Service born in Microsoft Azure Cloud combining leading-edge Artificial Intelligent with Crowd Sourcing for Big Data processing. The ability to transcribe, translate and the interpretation of Big Data faster and more accurate than ever before is a “Game Changer”.


Cloud computing turns what took hours and days into seconds and minutes. Machine Learning and Deep Learning technologies makes possible for new and improved computer processing. Crowd Sourcing reaches a global workforce enabling Six Sigma quality, polling or feedback and Machine training when needed to improve accuracy and add new capabilities never experienced before.


The capability to transform Big Data into usable data like handwriting from paper to usable data, translate audio to text or tap human responses provides new opportunity to reduce cost or add new information sources to provide a competitive edge.


New opportunities include multi-media interpretation into data allowing information never seen before used as a competitive advantage. Imagine now Realtors can send pictures to a Crowd Source group to capture room color, type of floor, how many windows, kitchen sink style and more. Working this data with predictive analytics can now show which homes may sell quicker and for more money.


Companies challenged with Machine Learning or Deep Learning solution where there is no existing training data, tapping a Crowd-Source is quick and the most affordable way to teach. When Six Sigma quality output is required, people on the fringe of the assembly line are continually looking for and correcting defects. Poll a Crowd-Source and collect data about pictures, videos, documents. Mojo is the choice when you need security, accuracy, turnaround time and economics.


View or Download the Mojo Product Overview document click here: Mojo Product Document

Schedule a demo with PaperClip click here: Mojo Site